Home Mf Research Union Retirement Fund Regular Plan Growth

Union Retirement Fund - Regular Plan - Growth

-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • SI
Fund info
NAV (as on 2025-07-18)
15.63 -0.70%
AUM (Fund Size)
N/A
Expense Ratio
2.38%
Exit load
Nil
Risk
N/A
AMC
Union Mutual Fund
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹1,000.00
0.00 %
Two Week 2025-07-03 ₹1,000.00 ₹990.49
-0.95 %
One Month 2025-06-18 ₹1,000.00 ₹1,015.59
1.56 %
Three Months 2025-04-21 ₹3,000.00 ₹3,118.62
3.95 %
Six Months 2025-01-20 ₹6,000.00 ₹6,421.43
7.02 %
One Year 2024-07-18 ₹12,000.00 ₹12,561.97
4.68 %
Since Inception 2022-09-22 ₹35,000.00 ₹44,049.00
25.85 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 57%
Debt 3%
Others 100%

Sectors Holding in Union Retirement Fund - Regular Plan - Growth

Banks
17%
Petroleum Products
3%
Telecom - Services
3%
IT - Software
5%
Construction
2%
Agricultural Food & Other Products
2%
Aerospace & Defense
1%
Chemicals & Petrochemicals
1%
Cement & Cement Products
2%
Consumer Durables
3%
Finance
4%
Pharmaceuticals & Biotechnology
3%
Realty
1%
Retailing
2%
Capital Markets
2%
Power
1%
Healthcare Services
1%
Electrical Equipment
1%
Automobiles
1%
Diversified FMCG
1%
Auto Components
1%
Textiles & Apparels
0%
Industrial Products
0%
Household Products
0%
Ferrous Metals
0%
Non - Ferrous Metals
0%
Insurance
0%
Personal Products
0%
Commercial Services & Supplies
0%
IT - Services
0%
Leisure Services
0%
Other
103%

Companies Holding in Union Retirement Fund - Regular Plan - Growth

HDFC Bank Ltd.
7.98%
ICICI Bank Ltd.
6.73%
Reliance Industries Ltd.
3.60%
Bharti Airtel Ltd.
3.21%
Infosys Ltd.
3.19%
Larsen & Toubro Ltd.
2.78%
Tata Consumer Products Ltd.
2.43%
Axis Bank Ltd.
2.06%
Bharat Electronics Ltd.
1.99%
State Bank Of India
1.91%
Solar Industries India Ltd.
1.71%
JK Cement Ltd.
1.60%
Tata Consultancy Services Ltd.
1.56%
Eureka Forbes Ltd.
1.53%
Muthoot Finance Ltd.
1.46%
Ami Organics Ltd.
1.40%
Godrej Properties Ltd.
1.35%
Info Edge (India) Ltd.
1.34%
Kfin Technologies Ltd.
1.28%
Power Grid Corporation Of India Ltd.
1.28%
Max Healthcare Institute Ltd.
1.22%
Karur Vysya Bank Ltd.
1.20%
Jio Financial Services Ltd.
1.19%
Lupin Ltd.
1.19%
360 ONE WAM Ltd.
1.19%
Shriram Finance Ltd.
1.17%
HCL Technologies Ltd.
1.17%
GE Vernova T&D India Ltd.
1.13%
Maruti Suzuki India Ltd.
1.10%
ITC Ltd.
1.09%
Eternal Ltd.
1.05%
Dixon Technologies (India) Ltd.
1.05%
Home First Finance Company India Ltd.
1.03%
S.J.S. Enterprises Ltd.
1.02%
Amber Enterprises India Ltd.
1.00%
Ultratech Cement Ltd.
1.00%
Sun Pharmaceutical Industries Ltd.
1.00%
Mphasis Ltd.
0.97%
ZF Commercial Vehicle Control Systems India Ltd.
0.95%
Cholamandalam Investment & Finance Co. Ltd.
0.95%
Torrent Pharmaceuticals Ltd.
0.94%
TVS Motor Company Ltd.
0.94%
UNO Minda Ltd.
0.90%
Mahindra & Mahindra Ltd.
0.88%
JSW Energy Ltd.
0.87%
Bajaj Finance Ltd.
0.85%
Alivus Life Sciences Ltd.
0.84%
CG Power And Industrial Solutions Ltd.
0.82%
Ajanta Pharma Ltd.
0.81%
Pidilite Industries Ltd.
0.81%
Gokaldas Exports Ltd.
0.77%
Gujarat Industries Power Company Ltd.
0.76%
Trent Ltd.
0.74%
Kirloskar Oil Engines Ltd.
0.74%
Doms Industries Ltd.
0.73%
Elantas Beck India Ltd.
0.72%
Computer Age Management Services Ltd.
0.71%
Blue Star Ltd.
0.69%
Cummins India Ltd.
0.68%
Tata Steel Ltd.
0.68%
BSE Ltd.
0.67%
Tech Mahindra Ltd.
0.65%
Hindalco Industries Ltd.
0.64%
Cohance Lifesciences Ltd.
0.63%
KSB Ltd.
0.63%
Max Financial Services Ltd.
0.63%
Navin Fluorine International Ltd.
0.62%
Hindustan Petroleum Corporation Ltd.
0.59%
Tube Investments Of India Ltd.
0.57%
Cera Sanitaryware Ltd.
0.56%
KEI Industries Ltd.
0.54%
Godrej Consumer Products Ltd.
0.53%
Azad Engineering Ltd.
0.53%
Cipla Ltd.
0.47%
Bluspring Enterprises Ltd.
0.17%
Digitide Solutions Ltd.
0.15%
ITC Hotels Ltd.
0.06%
182 Day Treasury Bills
0.09%
364 Day Treasury Bills
0.09%
TREPS
3.31%
Net Receivable / Payable
-0.07%
GRAND TOTAL (AUM)
100.00%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.38
Expense Ratio Direct
1.11
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Sanjay Bembalkar
Over 17 years Experience
Hardick Bora
Over 16 years Experience

Exit load

Nil

FAQs

Is a Mutual Fund with a Lower NAV Better?
What Are the Charges in Mutual Fund Investments?
What Are the Tax Benefits of Mutual Funds?
Is It a Good Time to Invest in Mutual Funds?
What Is the Difference Between Dividend and Growth Plans?
Should I Invest in Infrastructure Funds?
What Are Sector-Specific Funds/Schemes?
What Happens If I Miss an SIP Payment?
How Can I Compare Different Mutual Funds?